Life Insurance That Builds Wealth Now & Secures Your Family's Future

How I Help You Build Wealth & Protect What Matters

Three ways to work together—whether you're building your financial foundation or protecting your family's future

Life Insurance

"Whether you need affordable coverage for your family, final expense planning, or policies that build wealth while protecting loved ones—I help you find the right fit. Specializing in IUL policies that grow cash value you can access while you're alive."

What I offer:

• IUL (Indexed Universal Life): Build wealth + family protection

• Term Life: Affordable coverage for specific timeframes

• Whole Life: Permanent coverage with guaranteed cash value

• Final Expense: Simplified coverage for end-of-life costs

Medicare Planning

Approaching 65? I help you navigate Medicare enrollment, compare Advantage vs. Supplement plans, and understand prescription drug coverage—with a pharmacy technician's expertise and none of the confusion.

New to financial planning? Start here. I break down the building blocks of financial literacy—emergency funds, debt management, insurance, retirement—in plain language. Especially designed for ADHD brains and anyone who finds traditional financial advice overwhelming.

Financial Freedom\ Financial literacy

★★★★★

Meet Tonia Perry – Your Trusted Advisor

Hi, I'm Tonia. I'm a single mom of four, working full-time at in healthcare while running my insurance practice—and I get how overwhelming financial planning can feel when you're juggling everything.

Between work, kids' IEP meetings, and trying to figure out how to build wealth while paying today's bills, I understand the struggle. But here's what I discovered: my ADHD isn't a limitation—it's my superpower. It drives me to hyperfocus, learn everything I can, and break complex financial strategies down into something that actually makes sense.

I spent 15 years as a Certified Pharmacy Technician learning how insurance really works. Now I use that knowledge—plus everything I've learned about building wealth on a real-life budget—to help other busy parents, entrepreneurs, and working families navigate life insurance and Medicare without the overwhelm.

If I can figure this out while raising four kids and managing ADHD, I can definitely help you create a financial strategy that works WITH your life, not against it."

Based in Cleveland, licensed in Ohio, Pennsylvania, and North Carolina.

All consultations are virtual over Zoom, so we can meet at a time that works for your schedule—from the comfort of your home.

Ready to make sense of your options?

Website: ToniaInsurance.com
Text or call: 216-800-7303 (TTY 771)
Email: Tonia@toniainsurance.com